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Hi!
what is the correct use of "whose"???
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honchos
A recent survey showed that while many banks have service charges on interest-bearing and non-interest-bearing accounts with balances that are falling below a set minimum, some banks provide virtually free checking regardless of the account balance.

(A) with balances that are falling below
(B) whose balances fall below
(C) whose balances fall below that of
(D) that have balances falling below that of
(E) that have balances that fall below those of

simple present can show a state. a state exist before , in , and after speech time. the indefinite existence
in this context, we need a state "fall below".

if a state is shown in continuous present, this state exist for a short time
animals breath.
that animal is breathing. this mean the animal can stop breathing soon.

here, we dont want to say that the balance fall below a minimum number for a short time. we need to show a state existing a long time, but not a state existing for a short time. so, present continuous is not fit.
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The problem with C,D, and E is that there is no logical referent for "That or those". completely unrequired.

"A" has a tense or meaning problem should I say:

(A) with balances that are falling below

Falling below means as if the rates are currently falling below, thats not needed, hence we can eliminate.

(B) whose balances fall below
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